{"id":16150,"date":"2025-02-11T10:10:59","date_gmt":"2025-02-11T15:10:59","guid":{"rendered":"https:\/\/www.assur360.ca\/non-standard-home-insurance-2\/"},"modified":"2026-09-02T12:41:24","modified_gmt":"2026-09-02T16:41:24","slug":"non-standard-home-insurance-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/non-standard-home-insurance-2\/","title":{"rendered":"Non-standard home insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}\n.entry-title{display:none!important}\n.a360-hns *{margin:0;padding:0;box-sizing:border-box}\n.a360-hns{font-family:'DM Sans',sans-serif;color:#334155;line-height:1.7}\n.a360-hns h2,.a360-hns h3,.a360-hns h4{font-family:'Sora',sans-serif;color:#0d1f2d}\n.a360-hns a{color:#10c4c7;text-decoration:none}\n.a360-hns a:hover{text-decoration:underline}\n\n\/* Hero CTA *\/\n.a360-hns .hero-cta{background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:56px 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strong{color:#0d1f2d}\n\n@media(max-width:768px){\n  .a360-hns .hero-cta{flex-direction:column;text-align:center;padding:40px 24px}\n  .a360-hns .hero-mascot img{width:160px}\n  .a360-hns .hero-btns{justify-content:center}\n  .a360-hns .img-section{flex-direction:column}\n  .a360-hns .img-section img{width:100%}\n  .a360-hns .situations-grid{grid-template-columns:1fr}\n  .a360-hns .steps{grid-template-columns:repeat(2,1fr)}\n  .a360-hns .final-cta{flex-direction:column;text-align:center;padding:40px 24px}\n  .a360-hns .eeat{grid-template-columns:1fr}\n}\n<\/style>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-habitation-non-standard.jpg\" alt=\"Older or complex home \u2014 Assur360 non-standard home insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Non-standard-home-insurance\"><\/span>Non-standard home insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\"><strong>Non-standard homes<\/strong> (very old 1900s-, old knob-and-tube electricity, galvanized plumbing, roof over 20 years old, main wood fireplace) are refused by standard markets.<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Solution:<\/strong> specialized programs via Lloyd&#8217;s, Cumis, and non-standard markets. Pricing reflects risk but coverage is available. Upgrading plan (electrical update, roof) can facilitate standard rework.  <\/p>\n  <\/div>\n<\/div>\n\n<div class=\"a360-hns\">\n\n<!-- HERO CTA -->\n<div class=\"hero-cta\">\n  <div class=\"hero-mascot\">\n    <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/assur360-courtier-enso.png\" alt=\"Non-standard home insurance broker Assur360\"\/>\n  <\/div>\n  <div class=\"hero-content\">\n    <div class=\"hero-badge\">No applications refused<\/div>\n    <h2><span class=\"ez-toc-section\" id=\"Non-standard-home-insurance-2\"><\/span><span>Non-standard<\/span> home insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Solutions for difficult cases. Bad credit, criminal record, termination, repeated claims: the brokers of our partner firms will find coverage adapted to your situation. <\/p>\n    <div class=\"hero-btns\">\n      <a href=\"https:\/\/www.assur360.ca\/en\/quote-home-solutions\/\" class=\"btn-teal\">Get my free quote\u2192<\/a>\n      <a href=\"tel:18663574451\" class=\"btn-outline\">1-866-357-4451<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- IMAGE + INTRO -->\n<div class=\"img-section\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/02\/habitation-mauvais-dossier-de-credit.png\" alt=\"Home insurance bad credit report\"\/>\n  <div class=\"img-text\">\n    <h2><span class=\"ez-toc-section\" id=\"Why-choose-Assur360-for-your-2nd-chance-insurance\"><\/span>Why choose Assur360 for your 2nd chance insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>At <strong>Assur360<\/strong>, we believe that everyone deserves coverage that is tailored to their situation. If you&#8217;re having trouble getting home insurance due to your history or special circumstances, the brokers at our partner firms are here to help. <\/p>\n    <p><strong>We work with specialized home insurers<\/strong> to provide you with coverage, even if your claim has been denied elsewhere. AMF certified brokers, 100% independent. <\/p>\n  <\/div>\n<\/div>\n\n<!-- SITUATIONS COUVERTES -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Situations-covered-by-our-partner-firms-brokers\"><\/span>Situations covered by our partner firms&#8217; brokers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Even if your application has been refused elsewhere, we have solutions for you:<\/p>\n\n  <div class=\"situations-grid\">\n    <div class=\"situation-card\">\n      <h4>Non-payment<\/h4>\n      <p>Have you ever had trouble paying your premiums? We find solutions that fit your budget. <\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>Criminal record or scroll<\/h4>\n      <p>We work with insurers who understand your reality and do not judge you.<\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>Frequency of claims<\/h4>\n      <p>Too many claims in your file? We help you find coverage at a competitive price. <\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>Precarious financial situation<\/h4>\n      <p>Bankruptcy discharged, financial difficulties: we find accessible options to protect you despite your financial past.<\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>High-risk area<\/h4>\n      <p>Insuring a property in a congested area can be complicated, but we have solutions.<\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>Terminated contract<\/h4>\n      <p>A cancellation by a previous insurer does not mean the end of your coverage. We can help. <\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>Employment-related reasons<\/h4>\n      <p>Certain professions or professional situations make insurance more complex, but we have partners ready to cover you.<\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>Tenant in a commercial building<\/h4>\n      <p>Even if your situation is special, we find tailor-made solutions for your tenant insurance.<\/p>\n    <\/div>\n    <div class=\"situation-card\">\n      <h4>Vacant home<\/h4>\n      <p>Unoccupied house due to an inheritance, move, or other circumstances? We offer the right protection. <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- ETAPES -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"How-it-works\"><\/span>How it works<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <div class=\"steps\">\n    <div class=\"step\">\n      <div class=\"step-num\">1<\/div>\n      <h4>Fill out the form<\/h4>\n      <p>Describe your situation in minutes, even with a complex case<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">2<\/div>\n      <h4>Analysis of your file<\/h4>\n      <p>A specialized broker evaluates your profile and contacts the appropriate insurers<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">3<\/div>\n      <h4>Compare offers<\/h4>\n      <p>We compare quotes from several non-standard insurers<\/p>\n    <\/div>\n    <div class=\"step\">\n      <div class=\"step-num\">4<\/div>\n      <h4>Coverage Achieved<\/h4>\n      <p>Choose the option that&#8217;s right for you at the best price available<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- CONTENU PRINCIPAL -->\n<div class=\"section\">\n  <h2><span class=\"ez-toc-section\" id=\"Non-standard-home-insurance-in-Quebec\"><\/span>Non-standard home insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>At <strong>Assur360<\/strong>, we believe that everyone deserves protection, regardless of their history. Even if your file has been refused elsewhere, the brokers of our partner firms work with specialized home insurers to offer you the right coverage. <\/p>\n  <p>Whether it&#8217;s due to non-payment, a criminal record, contract termination or a difficult financial situation, we have solutions for you.<\/p>\n\n  <div class=\"highlight-box\">\n    <strong>Did you know?<\/strong>  We work with specialist insurers who understand the risks associated with properties and non-standard profiles. An independent broker like those at Assur360 negotiates the best rates for you, even in the most complex cases. \n  <\/div>\n\n  <h3>Vacant home: protection even in your absence<\/h3>\n  <p>Is your home temporarily unoccupied due to an inheritance, moving abroad, or other circumstances? Finding <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">insurance for a vacant home<\/a> can be a challenge, but Assur360 and its partner brokers offer you tailored solutions. <\/p>\n  <p>We work with specialist insurers who understand the risks associated with unoccupied properties and offer you reliable coverage to protect your property from damage, theft and vandalism.<\/p>\n\n  <h3>Don&#8217;t let your past dictate your future<\/h3>\n  <p><strong>Get a quote today and take back control of your coverage!<\/strong> Contact us now at <a href=\"tel:18663574451\">1-866-357-4451<\/a> to discuss your needs with an experienced broker.<\/p>\n<\/div>\n\n<!-- ALERT BOX -->\n<div class=\"alert-box\">\n  <strong>Important notice:<\/strong> Some files may be refused according to the standards of our insurers or the broker. Each situation is evaluated individually to provide you with the best possible coverage. \n<\/div>\n\n<!-- GEO SECTION -->\n<div class=\"geo-section\">\n The brokers of our partner firms help homeowners with <strong>non-standard<\/strong> files throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, Trois-Rivi\u00e8res and <strong>Saguenay<\/strong>. No matter where you&#8217;re in the area, we have home insurance solutions that&#8217;s right for you. \n<\/div>\n\n<!-- EEAT -->\n<div class=\"eeat\">\n  <div class=\"eeat-item\">\n    <strong><span class=\"eeat-check\">\u2713<\/span> AMF<\/strong>\n certified All the brokers of our partner firms are certified by the Autorit\u00e9 des march\u00e9s financiers\n  <\/div>\n  <div class=\"eeat-item\">\n    <strong><span class=\"eeat-check\">\u2713<\/span> Members of the Chambre de l&#8217;assurance<\/strong>\n Chambre de l&#8217;assurance du Qu\u00e9bec\n  <\/div>\n  <div class=\"eeat-item\">\n    <strong><span class=\"eeat-check\">\u2713<\/span> 100,000+ quotes<\/strong>\n Thousands of Quebecers trust us every year\n  <\/div>\n<\/div>\n\n<!-- FAQ -->\n<div class=\"faq\">\n  <h2><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Non-Standard-Home-Insurance\"><\/span>Frequently Asked Questions &#8212; Non-Standard Home Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n  <details>\n    <summary>Does a criminal record prevent me from insuring my home?<\/summary>\n    <p>No, not automatically. The situation must be reported (obligation to disclose). The insurer will assess the nature of the offence, the date, the recidivism, and whether there is a pardon or record suspension. Some offences (e.g., arson, insurance fraud) can lead to a refusal or strict conditions, but the brokers of our partner firms find solutions.   <\/p>\n  <\/details>\n\n  <details>\n    <summary>What makes a home &#8220;non-standard&#8221; in insurance?<\/summary>\n    <p>A home is considered non-standard if it presents an increased risk: an old roof, wood heating, a vacant house, a loss history, lead plumbing, or the owner&#8217;s criminal record. Specialized insurers still offer coverage. Consult <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\/assurance-habitation\" target=\"_blank\" rel=\"noopener nofollow\">the Autorit\u00e9 des march\u00e9s financiers (AMF)<\/a> for more information.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>How much does non-standard home insurance cost?<\/summary>\n    <p>The cost varies depending on your risk profile, the type of property and the coverages chosen. Premiums are generally higher than for a standard file, but an independent broker like those at Assur360 negotiates the best rates among several specialized insurers. Request a free quote to find out your price.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>Can I get insurance after a cancellation by my old insurer?<\/summary>\n    <p>Yes. A termination does not mean the end of your coverage. The brokers of our partner firms work with insurers who accept terminated files. The reason for the cancellation will be evaluated, but in most cases, new coverage is possible.   <\/p>\n  <\/details>\n\n  <details>\n    <summary>What if I have had several claims in recent years?<\/summary>\n    <p>A claims history can make it difficult to get standard insurance. Our partner firms&#8217; brokers have access to specialized insurers who evaluate each case individually. Even with a busy history, we can usually find coverage at a competitive rate.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>Does bankruptcy affect my home insurance?<\/summary>\n    <p>Yes, bankruptcy can affect your eligibility with some insurers. However, once the bankruptcy is discharged, options remain available. The brokers of our partner firms know the insurers that accept these profiles and help you find the best possible coverage.  <\/p>\n  <\/details>\n\n  <details>\n    <summary>Why go through a broker rather than a direct insurer for a non-standard file?<\/summary>\n    <p>An independent broker like Assur360 has access to several insurers specializing in non-standard files. It acts in your best interest, not that of a single insurer. He compares offers, negotiates the best rates and supports you in the event of a claim. This is a major advantage for complex cases.   <\/p>\n  <\/details>\n\n  <details>\n    <summary>Does my vacant home insurance cover theft and vandalism?<\/summary>\n    <p>It depends on the policy purchased. Some vacant home policies exclude theft and vandalism after a certain period of vacancy (often 30 days). The brokers of our partner firms recommend the right coverage to ensure that your property remains covered, even in your prolonged absence.  <\/p>\n  <\/details>\n<\/div>\n\n<!-- FINAL CTA -->\n<div class=\"final-cta\">\n  <div class=\"final-mascot\">\n    <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/assur360-courtier-enso.png\" alt=\"Assur360 Broker\"\/>\n  <\/div>\n  <div class=\"final-text\">\n    <h2><span class=\"ez-toc-section\" id=\"Protect-your-home-even-with-a-difficult-file\"><\/span>Protect your home, even with a difficult file<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>The brokers of our AMF-certified partner firms compare several specialized insurers to find you the best non-standard home coverage in Quebec.<\/p>\n    <div class=\"hero-btns\">\n      <a href=\"https:\/\/www.assur360.ca\/en\/quote-home-solutions\/\" class=\"btn-teal\">Get my free quote\u2192<\/a>\n      <a href=\"tel:18663574451\" class=\"btn-outline\">1-866-357-4451<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<\/div><!-- end .a360-hns -->\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurance habitation\",\"item\":\"https:\/\/www.assur360.ca\/assurance-habitation\/\"},\n    {\"@type\":\"ListItem\",\"position\":3,\"name\":\"Non standard\",\"item\":\"https:\/\/www.assur360.ca\/assurance-habitation-non-standard\/\"}\n  ]\n}\n<\/script><script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"areaServed\": {\"@type\":\"Province\",\"name\":\"Quebec, Canada\"},\n  \"description\": \"Assurance habitation non standard au Quebec. Dossier criminel, mauvais credit, resiliation, sinistres : les courtiers de nos cabinets partenaires certifies AMF trouvent une couverture adaptee.\",\n  \"priceRange\": \"$$\",\n  \"address\": {\"@type\":\"PostalAddress\",\"addressRegion\":\"QC\",\"addressCountry\":\"CA\"}\n}\n<\/script><script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"Un dossier criminel empeche-t-il d'assurer ma maison?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, pas automatiquement. Il faut declarer la situation (obligation de divulgation). L'assureur evaluera la nature de l'infraction, la date, la recidive, et s'il y a rehabilitation ou suspension du casier. 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